Your credit score is a quick, reliable indication of your future credit performance. In mortgage lending, the higher the score, the lower the credit risk. However, when you are applying for a mortgage, many other factors will be used in making a loan decision. Also, a bad credit score with one lender might be a good credit score with another lender. Your lender will use your credit score as one of the factors in determining whether you qualify for the loan for which you applied.